The pension system is full of things I don't know.

There are many things I don't know, and it has been a learning experience.

However, the diagram and explanation about the early retirement rate that appear along the way are incorrect...

The delayed retirement rate increases by 0.7% per month (8.4% per year), while the early retirement rate decreases by 0.4% per month (4.8% per year), yet the decrease rate is also assumed to be 0.7%.

When even someone like me knows such basic and very important information but it is being explained incorrectly, it can lead to doubts about the accuracy of other explanations.

This video also provides a quite realistic calculation of pension amounts, which is very informative.

You can calculate more detailed estimates using the pension net system, so I think it's a good idea to give it a try.

It is still a calculation based on the current system, but it is much more accurate than thinking based on impressions or averages.

I calculated the annual financial estimates, including pensions, using a spreadsheet, and it significantly reduced my financial concerns for retirement.

Life doesn't always go as planned in simulations, and it may be difficult to continue working energetically to earn the expected income.

As a sole proprietor, I am more prone to instability than regular employees, and I do not receive any retirement benefits from the company.

We all need to find a way on our own, so let's prepare by simulating as much as possible based on proper knowledge.